Hugo Auto Insurance Review

What is Hugo Insurance?  

A new, revolutionary auto insurance company, Hugo Auto Insurance, builds cutting-edge technology to make financial stability possible for every American. They stand apart as the world’s first pay-as-you-go liability insurance company. It eliminates hefty upfront fees and down payments, lets customers turn their coverage on and off straight from their phones, and delivers premiums at a stable daily rate. 

Released as a beta version in August 2020, Hugo Auto Insurance has expanded to 9 states with plans to be available in many more. Let’s look at Hugo Auto Insurance and see if they are the right fit for your needs.

How Does Their Auto Insurance Work?

Hugo Auto Insurance has expanded quickly in the past two years. What exactly is fueling this rising star? We took a closer look and laid out all the specifics below. 

Auto Insurance Payments

Drivers can make insurance policy payments using any debit, credit, or prepaid card. Hugo doesn’t accept bank transfers now, but they hope to in the future. 

Rate Increases

Unlike many auto insurance companies, you don’t pay an insurance premium with Hugo Insurance. Instead, you pay a daily rate, which is subject to change based on common factors that most insurers consider. 

However, there are a few reasons why you’ll see rate increases with Hugo Insurance. Here are a few common factors: 

• New vehicle: Older cars are cheaper to insure than newer ones. Changing your vehicle can cause a spike in rates. 
• Change in age of the primary driver or included drivers: The number of drivers on your policy and their record can increase your daily rate. Adding teenagers or new drivers under 25 to your policy will increase how much you pay.
• An accident or violation: Any violation or accident that leads to a claim could lead to a daily rate hike. 

Hugo Auto Insurance states on its website that it will communicate any rate changes beforehand and ask for your approval before you are charged. 

Auto Insurance Claims

If you’re involved in a collision, you can file a claim on the Hugo Insurance website. Click “Help” at the bottom of the screen and select “File a claim.” This will lead you to the phone number you can call, depending on where you live. 

Discount Options

Hugo Auto does not explicitly offer discounts. However, they have a unique feature for specific plans that allows you to turn off your insurance coverage for the days you don’t drive. This means you only pay for insurance on the days you drive. 

Hugo Auto Insurance Coverage 

Hugo Auto Insurance offers different policies for drivers with diverse needs. 

Flex Plan

The Hugo Flex plan is a pay-per-day liability policy. Liability covers the cost of the other driver’s property and bodily injury expenses when you’re at fault in an accident. With Hugo flex, you can purchase 3, 7, 14, or 30 days to start. You can add more days to your account at any time. Every day you drive with your insurance ON, you’ll spend one day from your Hugo account. Other features of the Hugo Flex plan include:

• No large upfront fees or other fees, ever.
• Earn cash rewards
• Turn OFF, pay $0
• Turn ON instantly

Towing and Roadside Assistance are not available for Hugo Flex.

Basic Plan

The Hugo Basic plan is a traditional liability policy. The Basic plan is best for drivers who still want to make small, flexible payments but don’t want to worry about turning their insurance ON and OFF. When you sign up for a Hugo Basic plan, you can buy 3, 7, 14, 30 days, or 6 months of insurance to start. After that, you can choose to add money to your account at your own pace or turn on Auto Reload so you can set it and forget it. Other features of the Hugo Basic plan include:

• No down payment or hidden fees, ever.
• Earn cash rewards
• Turn OFF

Medical coverage and Accidental Death Coverage are available for Hugo Basic. Towing and Roadside Assistance are not yet available for Hugo Basic.

Full Plan

The Hugo Full plan is a full coverage policy (comprehensive + collision coverage). The Full plan is best for drivers who want the most coverage for themselves and their vehicles. You can choose your coverage level and add additional coverages like Roadside Assistance and Towing. Like the Basic Plan, you can buy 3, 7, 14, 30 days, or 6 months of insurance to start. Other features of Hugo Full Coverage include:

• No down payment or hidden fees, ever.
• Earn cash rewards
• Same-day claims pay

Additional coverage options include:

• Medical 
• Accidental Death 
• Rental Insurance 

Who is Hugo Auto Insurance Good For?

Hugo Auto Insurance is a good fit for dollar-conscious drivers. And if you’re searching for a flexible, non-traditional car insurance company that allows more control over your car insurance payment, Hugo is it. Drivers who want to make smaller monthly payments instead of paying hefty upfront fees will find Hugo Insurance very convenient. 

Where is Coverage Available?

Their website shows Hugo Insurance is available to drivers in Alabama, California, Florida, Georgia, Illinois, Indiana, Ohio, South Carolina, and Tennessee. 

Hugo Auto Insurance Customer Reviews

We were only able to find reviews of Hugo Insurance on TrustPilot, but all the reviews there were outstanding. Hugo scores 4.8 out of 5 stars based on a stunning 680 reviews. Their reviews consistently highlight excellent customer service and stellar communication from agents.

Pros and Cons 

If you’re still unsure about choosing Hugo Auto Insurance, look at a few pros and cons listed below to help make your decision. 

Pros: 

• Flexible: Hugo’s plans only allow you to pay car insurance when needed. 
• Rewards: They have cash rewards that are available for using their service.
• User-friendly: Their app and website have an intuitive interface. Drivers can access insurance proof and make policy changes in minutes from their phones. 

Cons: 

• Few coverage options: They do not offer many different types of coverage. For example, they don’t provide drivers the option to bundle with renters, homeowners, business, or life insurance products.
• Limited availability: They are currently only available in 9 states. 
• Limited plan variety: Their pay-per-day option is only available in the Flex plan, which is just liability insurance. 

How to Cancel a Hugo Auto Insurance Policy

Canceling your car insurance coverage with Hugo is simple. 

1. Log in to your Hugo account. 
2. Turn off your coverage. Tap My Policy in the bottom bar and then click on the toggle at the top of your screen to schedule your coverage to turn OFF. Once your coverage is off, you can withdraw any remaining money from your Hugo account.

FAQs About Hugo Auto Insurance

Where is Hugo Insurance currently available?

Hugo Insurance is available to drivers in Alabama, California, Florida, Georgia, Illinois, Indiana, Ohio, South Carolina, and Tennessee.

How do I file a claim with Hugo Insurance? 

To file a claim with Hugo Insurance, start by going onto the website, clicking “Help” at the bottom of the screen, and selecting “File a claim.” This will lead you to the phone number you should call, depending on where you live. 

How do I cancel my Hugo Insurance policy? 

Start by logging into your Hugo account to cancel your Hugo Insurance policy. 

Next, turn off your coverage. Then, tap “My Policy” in the bottom bar and click on the toggle at the top of your screen to schedule your coverage to turn OFF. Once your coverage is off, you can withdraw any remaining money from your Hugo account.